# STATE BANK OF EAGLE BUTTE
EAGLE BUTTE, SD · FDIC certificate 18145 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $80.3M | |
| Deposits | $70.9M | |
| Loans and leases | $31.0M | |
| Total equity | $9.0M | |
| Loans / deposits | 42.54% (p14 of band) | 73.59% |
| Liquid assets / assets | 59.73% (p87 of band) | |
| Uninsured deposits / deposits | 54.03% (p98 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.37% (p57 of band) | 11.76% |
| Unrealized securities loss / equity | -14.53% (p31 of band) | -6.57% |
| AOCI / equity | -2.31% (p9 of band) | |
| ROA (annualized) | 1.08% (p45 of band) | 1.17% |
| Net interest margin | 5.97% (p98 of band) | 3.93% |
| Efficiency ratio | 78.11% (p75 of band) | |
| Noncurrent loans | 0.07% (p32 of band) | 0.36% |
| Net charge-offs (annualized) | 0.27% (p94 of band) | |
| Reserve coverage of noncurrent | 3881.82% | |
| Real estate % of loans | 8% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $5.6M (18.18% of loans; DQ 0.55%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.9% | |
| Employees | 20 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | charge-offs p90 |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 1 | auto book souring | charge-offs p90, capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | deposits shrinking |  |
| 2013-12 | 2 | capital falling | deposits shrinking |
| 2014-03 | 1 | charge-offs p90 | auto book souring, capital falling |
| 2014-06 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2014-09 | 2 | capital falling | deposits shrinking, uninsured deposits leaving |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | auto book souring |  |
| 2015-12 | 3 | capital falling |  |
| 2016-03 | 2 |  | capital falling |
| 2016-06 | 2 |  |  |
| 2016-09 | 4 | reserve under noncurrent, deposits shrinking |  |
| 2016-12 | 4 | assets shrinking | deposits shrinking |
| 2017-03 | 2 |  | reserve under noncurrent, assets shrinking |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | auto book souring |
| 2017-12 | 1 |  |  |
| 2018-03 | 4 | noncurrent p90, reserve under noncurrent, assets shrinking |  |
| 2018-06 | 3 |  | assets shrinking |
| 2018-09 | 4 | assets shrinking |  |
| 2018-12 | 3 |  | assets shrinking |
| 2019-03 | 3 |  |  |
| 2019-06 | 2 | losing money | noncurrent p90, reserve under noncurrent |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | losing money |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | uninsured deposits >50% |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 5 | noncurrent p90, reserve under noncurrent |  |
| 2021-12 | 4 |  | capital falling |
| 2022-03 | 6 | AOCI drag >20% of equity, deposits shrinking, assets shrinking | uninsured deposits >50% |
| 2022-06 | 8 | securities losses >30% of equity, uninsured deposits leaving |  |
| 2022-09 | 9 | uninsured deposits >50% |  |
| 2022-12 | 7 |  | uninsured deposits leaving, uninsured deposits >50% |
| 2023-03 | 5 | uninsured deposits >50% | AOCI drag >20% of equity, deposits shrinking, assets shrinking |
| 2023-06 | 5 |  |  |
| 2023-09 | 5 |  |  |
| 2023-12 | 5 |  |  |
| 2024-03 | 7 | deposits shrinking, assets shrinking, uninsured deposits leaving | uninsured deposits >50% |
| 2024-06 | 5 |  | reserve under noncurrent, uninsured deposits leaving |
| 2024-09 | 5 | uninsured deposits >50%, reserve under noncurrent | securities losses >30% of equity, assets shrinking |
| 2024-12 | 6 | capital falling, securities losses >30% of equity | deposits shrinking |
| 2025-03 | 2 |  | noncurrent p90, reserve under noncurrent, capital falling, securities losses >30% of equity |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-12-13 [Stephanie Sue Payne Obituary Nov 22, 2020 - Kinkade Funeral Chapel](https://news.google.com/rss/articles/CBMiakFVX3lxTE4wMUc1ODQ0dHhkY3RnaDRwR2NtNE5LSU0xaHVxZlFyUTdYQ1dXYVkwb3lGeUFmZlN6Z0ZOc3BuR3lSUnpjdVJnQmtldnhTM1ozdkxnZHROZXgyYzVGRnM2U2tENm80U3g2MFE?oc=5) · Kinkade Funeral Chapel
- 2025-09-17 [South Dakota couple celebrates 77 years of marriage - SDPB](https://news.google.com/rss/articles/CBMimAFBVV95cUxPR0s0NEpYMzNpX1lsQjFKbFk1d3I0YlhFMHlfS2ttYTM3QmpZaXlWdWRrdkZHSjNqMGEzT1AwQm5VZ3BDZkFGMGtXMVhBbDJLem1VR0Q5MkFUbDI2ZDNDa2lERFR0aXlVUmQtdkd0ZUlybkxKYUUzMml3T01pVl92Z20xbU54aUJGa0FZZDdHWURERHpoMGhIcA?oc=5) · SDPB
- 2026-07-01 [Wanda Lind - Timber Lake Topic](https://news.google.com/rss/articles/CBMia0FVX3lxTE9OS29PTmFvYzIxRnpoc2NxbzQxU091VXk1U0JDUjdiMnZweGVWdl9hYVh4UE9KWU0ydXk5R09JNHQ3T3lWMTdVaTFiTnFyRWdfaVJyQ29VNnpma0VMNjN2bGVqa19mdUZqX093?oc=5) · Timber Lake Topic
- 2020-03-12 [~Wayne L. Ducheneaux~ - Lakota Times](https://news.google.com/rss/articles/CBMiakFVX3lxTE1ra0V6aUxuRjZDWHZ0MUZSSW5EbjN0bDV5d2NhRS12eDAtX2R3MGIwYXNpUGVuNWFRYXMyZml5M1MtT0xpZU11TnM0eUxTanZIWVlTX1ZKWEdmSGxnY0MxdVhadGZaTzNDVlE?oc=5) · Lakota Times
- 2025-06-12 [Andre' Eberhard Obituary (2025) - Gettysburg, SD - Luce Funeral Home - Gettysburg - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxNMi0xOWI5NlZzS2FuMFp6S1dCU3hHYzkyQlRXenNVZGxIczBLUzNDMDVFMVVMWHktMTZPZDVxVEZwZ2ROZUhWMFp6a2JydUFnaW0xS1FFSTVvRGR1a0dEV0hOSGVKNHBqM0xZTThGb0h3WmxsTTkzTWJ5dXBvQ1RyNk50VQ?oc=5) · legacy.com
- 2021-12-01 [Marcella LeBeau - Timber Lake Topic](https://news.google.com/rss/articles/CBMidEFVX3lxTE1RRGNqZWRwNTFDLS1aTWJURm5UbUtvYkdJRUVsazdNZ3RRb3pZU3FzVFlMXzBtdXBXQzRDYTFkeWJzX0hlNG92V21nU0tQQVBYbkd4X2Z5S2tmN3ZIUm5jR2xZTUtXdldXRzA2dlFsWE8zSXMy?oc=5) · Timber Lake Topic
- 2014-11-06 [Douglas Dupree Jr. - Lakota Times](https://news.google.com/rss/articles/CBMiZkFVX3lxTE5uUDQyQnc2VU9kelJYTHExRVUwQ3o1WTNzYVMtLWF3SkJWN3FBdU5IdlRBLUl2cy1pSFVzRjNYM09xVV9yd2F5Z1NDTWpmekstc0FuVWFfVDFocmFlRVIxYXhRTVJVUQ?oc=5) · Lakota Times
- 2024-03-19 [Richard "Richie" Marrowbone Jr. Obituary (2024) - Mobridge, SD - Kesling Funeral Home - Mobridge - legacy.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQb0xpWTBfU0ZlYWhONlZaRVdZWlM0Z3djSjM2YjNJTGR2ekdEMlFza3hQR01pZjFNckRveG1NTW5scW5KbkF1RXNob3doV0txdkdUaHN3T3Q5OWY1aUNTdFdxdnNMRjY0cWd4Sk1tWnh6bkYyN3NGa1lnOXRWSUlWSFdId04tZ3Fs?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18145 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/33.json (key "18145", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide